our values

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Transparent

Personal financial advisory is based on trust and to gain trust one needs to be completely transparent.

Unbiased

Client remains at the focal point for us at Bachhat. We are not affiliated with any product companies

Easy

As Warren Buffett said, Investing is simple, but not easy. At Bachhat, we ensure that our solutions are uncomplicated

Solutions

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Retirement Planning

We spend anywhere between 20 to 30 years in retirement during which there is no primary source of income except for interest or rental income.

Goal-based Investing

Most of the individuals fall under two categories: Either they do not invest regularly or if they invest, they do not know why are they investing.

Risk Profiling

All individuals are not equal. Similarly, the investment solutions for all cannot be same. It needs to be tailored depending on the individual’s risk profile.

Insurance Adequacy

Insurance is the most mis-sold product in India. Traditionally, we have been mis-sold investments plans as insurance policies.

Emergency Corpus

What will happen if you are without a job for a year? Do you have adequate savings, which is immediately available, to use without impacting your other investments?

Portfolio Evaluation and Monitoring

Investing is important. However, ensuring that the investment is made in the right instrument and providing adequate returns is also paramount.

About Us

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Bachhat is built on the pillars of transparency, unbiased advice and making personal finance
easy.

Founded by CA Vishal Bharat Shah, we aim to empower our clients in effectively managing their personal finances. A Registered Investment Adviser with SEBI, he has more than 2 decades of post-qualification experience in diverse fields like Finance, Treasury, Mergers & Acquisitions and Strategy.

He is passionate about personal finance, having started writing about personal finance in 2010.

Process

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We have built-in robust systems to ensure that our financial planning process captures all required information and is able to provide you with personalised solutions best suited for your needs. The entire process can be completed either virtually or by in-person meetings as per the client’s preference. Irrespective of the medium used, we ensure that we offer best solutions for your financial needs.

At the end of the process, you will receive our proprietary financial report which shall cover your entire financial summary including action points regarding your financial goals, where & how to invest to achieve those goals, which insurance plans are best suited for you, etc. This single document shall be your go-to encyclopaedia for all your financial queries.

Pricing

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We are a fixed-fee Registered Investment Adviser and our fees are not linked to your net-worth or your current investment value.

Holistic Financial Planning
Our most popular plan which covers the following:

Net-worth Assessment

Retirement Planning

Risk Profiling

Insurance Adequacy

Goal-based Investing

One-time review of the financial plan before the end of 6 months

On-going support on all finance-related matters

Duration: 6 months.
Pricing: For Indian Resident Individuals – Rs. 18,000
For NRIs: Rs. 22,000
On-going Financial Health Check-up
Post holistic financial planning, we offer on-going financial health check-up to ascertain how your investments are performing as against their goals and provide suggestion for portfolio re-balancing.

Investment review against the agreed upon financial
goals every 6 months

Recommended changes in investments,
if needed

Updating your financial plan on account of material financial changes (job change, marriage, kids, etc)

On-going support on all finance-related
matters

Duration: 12 months
Pricing: For Indian Resident Individuals – Rs. 10,000
For NRIs: Rs. 12,000
Financial Planning Sessions / Training / Seminars
We also conduct financial planning sessions, seminar and comprehensive training on managing personal finance for Corporates, Educational Institutions, Social Groups, etc. Fees for the same is decided on case-to-case basis.

Build and grow your wealth with Bachhat. Schedule a free 30 mins call with our founder

Vishal Bharat Shah

Resources and Case Studies

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